Property insurance damage claims
HIRE THE EXPERTS AT OCEAN POINT TO GET YOUR CLAIM PAID!
Here at Ocean Point Claims Company all of our team members have many years of working for the insurance companies. We employ that knowledge that was gained while working for the carrier carriers as well our knowledge of construction, building codes and policy language to assist you with your claim. Our team of highly skilled Public Adjusters have seen just about every type of loss that you can imagine. If you’ve ever seen the Farmers Insurance TV commercials featuring their “Hall of Claims” you know what we are talking about.
Whether you have a denied claim, underpaid claim or your homeowner’s insurance claim has not been filed yet, let a Ocean Point Public Insurance Adjuster analyze your claim and explain your options to maximize your insurance claim settlement. No matter if your claim is large, small, residential or commercial we can help! Call us today at 888-824-1306!
Residential and Commercial Claim Types
Fire / Smoke Damage
Whether your fire damage claim is small, or it is a large loss fire claim you should be aware that there are often hidden damages such as water damage causing mold, soot on all surfaces as well as in the HVAC ducts affecting air quality causing dangerous air quality. Mold can lead to long-term issues. There are many things to consider when a fire occurs. These items include: building code(s), matching statute(s). With nearly all fires Ordinance or Law coverage is overlooked. “O&L” coverage allows for code upgrades after a covered loss.
Water / Flood Damage
Water damage is often caused by a pipe or pluming leak or burst, water heater leak, air conditioner condensation leak, supply line burst, toilet overflow, roof leak, window leak. The presence of water causing drywall damage can promote rapid fungi growth. Seeking assistance with your water damage insurance claim is vital to the insurance claim process so that you comply with all policy provisions and avoid a denial of your claim. Ocean Point is a one top shop, we can point you in the right direction for water mitigation services to for water cleanup.
Fire / Smoke Damage
Whether your fire damage claim is small, or it is a large loss fire claim you should be aware that there are often hidden damages such as water damage causing mold, soot on all surfaces as well as in the HVAC ducts affecting air quality causing dangerous air quality. Mold can lead to long-term issues. There are many things to consider when a fire occurs. These items include: building code(s), matching statute(s). With nearly all fires Ordinance or Law coverage is overlooked. “O&L” coverage allows for code upgrades after a covered loss.
Water / Flood Damage
Water damage is often caused by a pipe or pluming leak or burst, water heater leak, air conditioner condensation leak, supply line burst, toilet overflow, roof leak, window leak. The presence of water causing drywall damage can promote rapid fungi growth. Seeking assistance with your water damage insurance claim is vital to the insurance claim process so that you comply with all policy provisions and avoid a denial of your claim. Ocean Point is a one top shop, we can point you in the right direction for water mitigation services to for water cleanup.
Storm Damage
Storms often happen by surprise and can cause major damage, even substantial unseen damage. Whether you have a hurricane insurance claim, hail damage, wind damage, found missing shingles on the ground around your home or you see water spots on the ceiling or wall we can help! Did you know that the independent public insurance adjusters here at Ocean Point have had stellar success at showing the insurance carriers why they should apply entire roof replacement coverage to the dwelling or business structure of our clients.
Mold Damage
Mold can be scary! If mold isn’t taken care of quickly it can cause major health problems as well as possibly lead to insurance claim problems. Mold can result from a leaky pipe or even a roof leak where visible water stains are present. Often times the mold is hidden within the walls. Ocean Point works with many mold remediation companies that do not charge our clients for their water mitigation services. Mold claims are complicated, we will thoroughly document your damages ensuring the maximum settlement that you are entitled to.
Vandalism Damage
Theft and Vandalism damage occurs often when we least expect it. This type of damage can include break-in damage, broken door damage, broken window / glass damage, home invasion damage and tenant damage. We will assign a private insurance adjuster to assist you in preparing an accurate list of damages for your police report as well as your theft or vandalism insurance claim.
Loss of Use
Additional living expense or “ALE” insurance claims can be confusing. When you have been displaced many times your homeowner’s insurance policy entitles you to receive repayment for your incurred expenses during this time. This includes hotel stays, temporary housing, eating out, among many other expenses you may not consider. This coverage applies for rental properties as well. When your tenant is displaced and isn’t able to pay rent often times you are entitled to the Fair Rental Value or “FRV”.
Commercial / Business Interruption
When your business suffers a loss Business Interruption (“BI”) claims should not be overlooked as they play an important role in funding the recovery of lost income during your downtime. A simple breakdown of a Business Interruption Claim is: Net Income + Continuing Expenses + Extra / Additional Expenses = Business Interruption Loss Claim. It is crucial that all elements are reviewed during the interruption of business. Some of these elements include: Commercial utility costs, employee payroll, business taxes, as well as additional advertising.
Personal Property “UPP”
Your personal belongings can be damaged after a loss in your home, condo or business. When you file a contents claim it is highly recommended to prepare a “Personal Property Inventory Form or “PPIF” filled with details surrounding the damaged items. This can be a complex and overwhelming process as taking a comprehensive and thorough inventory takes a lot of time and research. A insurance desk adjuster as well as a independent field adjuster will use terms such as recoverable “RCV” and non-recoverable “ACV” depreciation the claims process, this can be confusing. We will assist you in navigating through the claim process whether you have an HO3, HO6
